Best report
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Aug 15, 2007
If you are getting a collection call about a credit card you don't have, you may want to get a copy of your credit report. Identity theft is a big issue these days, and it is possible someone opened an account as you and then didn't pay the bill. This is all too common today and has screwed up many people's credit record. If this happened, you are liable until you can basically prove you were a victim of identity theft and you may end up liable for the debt (you may need a lawyer to straighten everything out).
Whatever you do, don't just sit back and think that since it wasn't your debt it must have been a mistake and do nothing.
Whatever you do, don't just sit back and think that since it wasn't your debt it must have been a mistake and do nothing.